underpay and we will tax what you don't pay onto the principal. no dark loan. rating agencies, at least one of which is now being prosecuted, that were literally giving those who desired an evaluation what they wanted. credit default swaps. in the tertiary market. so that you could gamble together with the taxpayers money, in a sense. originators of loans not having to be responsible for the false -- default. this was the biggest part of the problem. when we allowed the originator to care less about whether or not the default, qualifying them as a homebuyer than a homeowner. from that onto the secondary and tertiary market. somebody else will worry about the default. this is what it was all about. let's not kid ourselves and try to blame the cra and fha for what happened in the 1980 was and ended up with the crisis that we had to give some attention to. fha does ensure, does not lend a penny, but does ensure some loans that some would consider high dollar loans. would it surprise you to know that in october the average loan amount for fha was around $180,000 qu